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Overpayments not making much difference
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PeacefulWaters wrote: »The other issue is that as the debt reduces so does the minimum direct debit payment. This means that your combined minimum payment plus £75 is reducing each month. You might be better paying a fixed total (e.g. £210 a month) rather than a fixed overpayment.
You're expecting too much too soon. Long term discipline will get you out of debt and you've made a good start. Keep at it.
agreed. i would have a minimum payment DD in place. and then make a manual payment as early as you can each month, for as much as you can (reasonably afford) each month. and keep going.. do not spend on the card.
if you can, move the all/part to a 0% balance transfer card asap. i am guessing that this isn't an option, or you'd have done so already.
keep going:T.0
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